All students are required to have active health insurance coverage for the entire school year. We encourage you to seek a health insurance plan that meets your specific needs. There are many companies that may be able to provide you with the coverage you need for your specific health concerns.
University Student Affairs hosted a Health Insurance Information session on September 10, 2014. Click here to watch. Topics of discussion include: Ascension benefits, Personal Insurance Administrators, WesternU medical centers, Patient Care Center pharmacy, Covered California and questions from students.
I have my own insurance and do not want the WesternU sponsored plan:
- You will be automatically enrolled in and charged for the school-sponsored insurance plan unless you provide proof of other comparable coverage and a waiver is submitted by the Waiver/Proof of Insurance deadline date for your program.
- A deductible of $1,000 or less per policy year ($2,000 or less for family) is required for coverage by other carriers
- For questions regarding submission of existing proof of coverage, view the Waiver FAQ’s.
- All students will have the opportunity to submit their proof of coverage during the fall 2014 registration process.
- Often times the national or student chapter of your professional organization will offer a good deal on health insurance so we recommend that you check with your professional organization to see if this is available and suits your needs (for example, SOMA offers health insurance to medical students). Please note, WesternU does not recommend any one insurance plan over another.
I do not have insurance and wish to enroll in the sponsored plan:
Information about the Affordable Care Act and its impact on student health insurance plans.
- You will be automatically enrolled in and charged for the school sponsored insurance plan unless you provide proof of other comparable coverage and a waiver is submitted by the deadline (see above).
- Read some of the plan highlights below
- For more information on the plan:
School Sponsored Plan
If you are not currently covered by another health insurance provider, the school sponsored insurance plan, offered through Nationwide Life Company and administered by Ascension Benefits & Insurance Solutions, provides access to a network of healthcare providers. Some of the main highlights of the school sponsored insurance plan are listed below. For additional, information view the plan summary.
Review the student accident and sickness insurance plan brochure for complete details.
- Plan Premiums
- Range from $1,927.50- $2,891.25 per plan year (prices vary depending on length of academic year)
- One-Time Deductible
- $250 per plan year
- Office Visit Co-Pay
- $20.00 per visit
- Maximum Benefit for policy year
- Benefits paid after deductible
- 80% for In-Network Providers
- 60% for Out-of-Network Providers
- Out of Pocket Maximum (per policy year)
- PPO $3,000
- Non-PPO $5,000
- All students enrolling in the school sponsored insurance plan will receive an Express Scripts pharmacy card. Students are asked to take their prescriptions to an Express Scripts pharmacy where they will pay only the co-payment for their prescriptions.
- Co-Pays: $15.00 (Generic), $25.00 (Preferred), Accutane (Generic/Brand Name) is subject to 50% Co-Pay. Lamisil and Sporanex are not covered.
- All prescriptions are limited a $4,000 maximum per plan year.
- Dependent Coverage is available
- No dental benefits are provided
- No vision benefits are provided; however, a vision discount plan is available whereby students will receive a 20% discount on the following vision services at participating retailers (LensCrafters, Wal-Mart Optical, Sears Optical, and Target Optical).
- Routine Eye Examinations, Lenses, Frames, Contact Lenses (excluding disposable or replacement lenses), Cosmetic Extras (tints, coatings, and photochromatic lenses)
- Dependent coverage: Download a copy of the dependent enrollment form
Note: plans are re-negotiated each academic year and any changes in cost or benefits will be shared as soon as they are available.
Western University of Health Sciences does not provide free medical care to its students via a Student Health Center.
For more details on the Nationwide Life Insurance Company health insurance plan, please visit the student insurance information page provided by Ascension Benefits & Insurance Solutions. You may also download claim forms, search for network doctors or access the Express Scripts website from this page.
View WesternU’s student health insurance policy